From theesotericcuriosa.blogspot.com/2010_03_25; sepia tone removed by gogm.
Lady Cunard was a San Francisco born Dollar Princess who married Bache Cunard of ocean liner fame in 1895. Her Wikipedia article is here.
This dress previews the down turned and shallow-vee waistlines and square necklines of the 1900s, but the leg-o-mutton balloon sleeves say 1890s.
Keywords: straight coiffure, tiara, square neckline, stomacher, elbow length leg-o-mutton sleeves, ruffles, waist band, down turned waistline, close skirt, necklace, bracelets, wrap